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Insurance SUI Prompts

Insurance & Item Decay

As a new player, you have three "free deaths" before you are required to insure your items. After that, you will take decay on your clothing, armor other non-weapon items each time that you die. Decay only occurs when a player chooses to clone themselves after dieing. If a player is revived prior to releasing to a cloning center, then they will not suffer item decay. Starting items are automatically insured and cannot decay, no matter how many times the player dies.

PvE (player versus environment - this is what you're doing when you're hunting) deaths ALWAYS give you decay. If you aren't insured, your items will decay by 5% of their maximum condition. Insured items only decay by 1% when you die. PvP Deaths (deaths from other players or by factional npcs and pets) will not cause any decay at all if items are insured.

Each item in your inventory has condition - both a current value and a maximum value. When an item reaches 0 condition, it "breaks" and is neither repairable, nor useable.

Some items, such as "loot", unequippable items (junk and ornaments), or resource containers (your hide, meat and bone) don't take decay.

How decay is supposed to work:

• 5% on death with no insurance

• 1% on death with insurance

• No decay on incapacitation

Also, anything on your person will be hit by the decay. It does not have to be equiped - Items in backpacks and containers on the character will also decay if the player is uninsured. The exception are items found inside of a droid's item storage compartment. These items will not suffer decay.

Thing that will decay (under this system) and/or Can be insured

• Armor

• Tools - both survey and crafting

• Clothing

Things that will NOT decay under this system and/or has a seperate method of decay

• Weapons

• Resources

• Consumables - stimms, spices

• Deeds

• Misc objects - data disks, broken dapatads, etc.

You can confirm what items are currently insured by checking your inventory. Anything currently covered by insurance will have an orange 'i' in the corner.

Insuring items costs 100 credits per item.

Using An Insurance Terminal

You can purchase insurance from the insurance terminals inside of a cloning facility. You have the option of selecting individual items to insure or to simply insure all of your items. Note: Depending on the number of items you have and their value, insurance can be expensive.

Source References